Search found 455 matches

by segfault
Thu Dec 06, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6035

Re: Advice on Divorce Settlement Options

Sorry you are going through this. For the reference of those who are reading who may not be married yet, in my state, I think the "standard" prenups say that both spouses waive alimony and maintenance, and agree to keep separate assets, and that any assets that are titled jointly are divided 50/50. ...
by segfault
Thu Dec 06, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: DW has 39 credits of SS. Easiest way to get 40?
Replies: 15
Views: 2977

Re: DW has 39 credits of SS. Easiest way to get 40?

Can she legitimately work as a "consultant" doing something for someone and just pay both the employee/employer side of the SS/Medicare taxes?
by segfault
Thu Dec 06, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11781

Re: 20M Inheritance - What is best option for small/no risk on principal?

The local bank I called for CDARS that was in network just wanted to sell us on everything else but what we asked for and free lunch (this would have been a great trick when we needed the free lunch for sure) Nothing to add here, but just wanted to say you gave me a much needed laugh when you said ...
by segfault
Thu Dec 06, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 9348

Re: Mitsubishi ductless heating/cooling unit

I've heard of using miniature condensation pumps in mini-splits, if the drain has to go "uphill" before going outside. If it doesn't, I think most just gravity drain.
by segfault
Thu Nov 15, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5295

Re: Oops! Edward Jones tops Vanguard in customer survey

Meh. I personally know and like my local EJ rep, but don’t use them for investments. They’re (rightfully) very well respected in the community and very intelligent. I don’t need the hand holding. The only significant interaction I’ve had with Vanguard’s customer service was when I was transitioning ...
by segfault
Sat Nov 03, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1234

Re: Where to stay to visit Yosemite

Stayed in an Airbnb in Mariposa last year, and it was great. The commute into the park wasn't bad.
by segfault
Sat Nov 03, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3647

Re: How much does a car need to be driven?

OP has said a battery maintainer won't work in the parking garage where he lives. It ultimately depends on the parasitic load of your particular vehicle and the condition and state of charge of its battery, but driving for fifteen minutes seems a little short. I'd suggest driving it for at least hal...
by segfault
Mon Oct 29, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1539

Re: DIY air purifier for $25

Many years ago, I recall seeing a box fan with a slot on the rear to hold such a filter, but I haven't seen them in a long time.
by segfault
Mon Oct 29, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3647

Re: How much does a car need to be driven?

+1 for the battery maintainer. I have two cars and often leave one of them for a week or more at a time without driving it. Never had an issue with a dead battery while using the maintainer. With that being said, I use a Battery Tender and have had several of them fail under warranty. One time, a ca...
by segfault
Fri Oct 12, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3615

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

If in an area with harsh winters: You are more likely to get stuck with FWD. You are more likely to crash without snow tires. Pick your poisons. My daily has all terrain tires and 4wd and I never had to turn the 4wd on last winter (but did turn it on to make sure it was functional). Snow tires will ...
by segfault
Fri Oct 12, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 5172

Re: Is it worth filing FAFSA even if you know you'll get nothing?

At my undergrad, you were not eligible for work study jobs unless you had completed a FAFSA. Those jobs weren’t need based, but you still had to complete the form.
by segfault
Sat Jul 28, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan payback credit score verse interest
Replies: 8
Views: 744

Re: Auto loan payback credit score verse interest

Good advice here. PenFed used to allow this type of prepayment--if you paid extra, you were considered X number of months ahead on your loan, and could skip payments entirely until the next due date, even if it were two years later. Most banks and credit unions don't do that!
by segfault
Sat Jul 28, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: How should I be paying off my auto loan quickly?
Replies: 7
Views: 1015

Re: How should I be paying off my auto loan quickly?

A couple of things you might want to consider with paying off the loan early. Most lenders require payments at least every X number of days. So if your payment is $100/month, you usually can't pay $1,200 and then not make any payments for a year. Penfed used to allow additional payments to delay you...
by segfault
Sat Jul 14, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Catch up on retirement or pay mortgage faster?
Replies: 4
Views: 679

Re: Catch up on retirement or pay mortgage faster?

This sounds to me like a perfect case for agreeing to keep some finances separate after marriage. If you want to make goals and set up accounts to accumulate joint assets going forward using your earned income, I think that could also make sense.
by segfault
Mon Jul 09, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7551

Re: Walking Coast-to-Coast

I don’t know the OP from Adam, and this has nothing to do with my investments, but reading about this accomplishment put a much-needed smile on my face. Good on you!
by segfault
Mon Jul 09, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3097

Re: Rodents ate my car, and my insurance is ripping me off!

Are they depreciating labor? Materials may depreciate, but labor does not.
by segfault
Wed Jul 04, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 1085

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

People rave about Keen sandals. I have a pair and they have elastic straps with a catch that pulls them tight. My feet are narrow and I've found the Keens to be extremely wide to the point that I sometimes trip on the overhang when walking, so I don't care for them. That said, they might work for yo...
by segfault
Sat Jun 30, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9280

Re: Dad Needs Help Buying Wedding Liquor

I can't believe nobody has taken the opportunity to plug Bogle brand wine (no relation to Jack Bogle, AFAIK). :mrgreen:
by segfault
Mon May 14, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9839

Re: Is there a boglehead muscle car?

I bought a used 2011 Mustang GT Premium with under 30,000 miles on it last summer. That would easily be in your price range. It needed new tires but was otherwise in great condition. It is a weekend car for me--I'll probably put 3,000 miles a year or so on it. The seating position causes my left kne...
by segfault
Sun May 06, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2774

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

Charlie had some amusing words about cryptocurrencies. I thought it was funny when he looked like he was falling asleep while the environmentalist was giving their question/speech. I was actually a bit disappointed Charlie didn't speak up more. I must have missed that. Was it towards the end of the...
by segfault
Sat May 05, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2774

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

I thought it was interesting that while Buffett encourages people to invest in index funds, not all Berkshire companies offer them in their 401(k). I found his comment -- that they let the managers of the businesses make these decisions without interference from HQ -- to be a little disappointing. ...
by segfault
Sun Feb 25, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Help! Soon to be Divorced - Filing taxes Separately and potential huge tax burden
Replies: 28
Views: 3001

Re: Help! Soon to be Divorced - Filing taxes Separately and potential huge tax burden

I know you said you're not in a bitter fight, but this is a financial matter that needs to be negotiated between the two of you. Talk to your attorney(s).
by segfault
Thu Feb 08, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Bluebird or request a second/third card
Replies: 8
Views: 853

Re: Amex Bluebird or request a second/third card

Thanks for the advice. And I know. I’ve never gotten far from home without realizing it, but it makes me concerned that I might someday! IIRC, I’m not liable for unauthorized transactions on a credit card. So, no, I’m not worried about someone taking it. I’ll ask the issuer of my primary card for a ...
by segfault
Wed Feb 07, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Amex Bluebird or request a second/third card
Replies: 8
Views: 853

Amex Bluebird or request a second/third card

Not sure whether this should go in the PF forum or the personal consumer issues forum, but here goes: A couple of times a year, I will accidentally venture out without my wallet. Currently, I keep a small amount of cash in each of my two vehicles--enough to cover the cost of filling up the gas tank ...
by segfault
Sun Dec 10, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 15094

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

The words below are as insightful as it get when it comes to control. From my viewpoint it is a lot easier to accept things we you stop believing their was something you could have or should have done that would have made everything turn out perfectly. God grant me the serenity to accept the things...
by segfault
Mon May 29, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Buffet - The Wrath of Ebit
Replies: 32
Views: 5111

Re: Buffet - The Wrath of Ebit

The Coke protest/question was crazy, then Buffett gave an answer about sugar in Coke and not responsive to the question that was asked.
by segfault
Sun May 28, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Contributing the entire Year 401K in one Pay period allowed?
Replies: 22
Views: 4407

Re: Contributing the entire Year 401K in one Pay period allowed?

My employer doesn't do a true-up on the match, so I set the percentage deferral to contribute an even amount each pay period. Can get tricky if you get a raise mid-year. I echo the sentiment that, for those who aren't self-employed, it's important to know whether your company does a true-up.
by segfault
Tue May 16, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1999 Honda Accord 175,000 miles CEL Code P1456
Replies: 13
Views: 2061

Re: 1999 Honda Accord 175,000 miles CEL Code P1456

I would consider getting a newer car purely for safety reasons. Here's an article that shows a crash between a 2015 and a 1998 Toyota Corolla, pointing out how far car safety has come: http://jalopnik.com/this-crash-between-a-2015-and-a-1998-toyota-corolla-sho-1795220332 This. The old Accord probab...
by segfault
Sun May 14, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2939

Re: Where do you get your tea ?

Upton Tea Imports.

https://secure.uptontea.com/store/home. ... e/home.asp&

They have a pretty cool newsletter and lots of variety. I've stopped drinking tea and cola as much, as they stain my teeth. I can be vain like that. :D
by segfault
Tue May 09, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 10871

Re: 18" vs 20" Tires

The 18" tires are likely to stick out further from the wheels than the 20" and would thus provide more protection to the wheels from sliding up against a curb.
by segfault
Tue May 09, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 4487

Re: What to do with older laptop?

Recycle it. You've gotten more than your money's worth from it. Even simple internet browsing requires significantly more power than it did ten years ago--just rendering a webpage can use hundreds of megabytes.
by segfault
Sat Mar 25, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 27
Views: 6458

Re: Vanguard Target Date Funds

I use Target Date Funds as the "ballast" of my portfolio, and they are my exclusive holding in my Vanguard tax-advantaged accounts. I have a taxable account, which holds only Total Stock Market and one single stock. My work 401k offers non-Vanguard target date funds, and they have high ERs, so I hav...
by segfault
Fri Mar 24, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19877

Re: Virtual Private Networks (VPNs)

+1 for PIA. Netflix (and, I assume, other streaming providers) have gotten pretty good at banning people connecting through VPNs, so that's likely to be an issue with all of them.
by segfault
Fri Mar 24, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 2046

Re: How to make my old MacBook to work?

SSD should make it faster. I have found that the newer versions of MacOS are not optimized for the older spinning type hard disks. Or you can pick up a used MacBook Air that already has an SSD--my 2011 model is still very fast and responsive.
by segfault
Wed Mar 22, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 3981

Re: Small appliance electrical safety

The house I used to own had 4 or 5 kitchen outlets on the same circuit (I think it was a 20 amp circuit). You couldn't run the microwave (about 1,000 watts) and the toaster oven (about 1,500 watts) at the same time without tripping the breaker. I think the refrigerator was on a separate circuit (sha...
by segfault
Wed Mar 22, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 5396

Re: What is your preferred Weather App?

I use the built-in weather apps on my iPhone and in Windows 10, and the built-in weather widget in MacOS. I also visit the Accuweather website.

Inexplicably, Apple doesn't include a weather app (or calculator) on the iPad, so I use the Accuweather app there.
by segfault
Thu Mar 16, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: How should I handle this? [Where to invest]
Replies: 8
Views: 1249

Re: How should I handle this?

Assuming this is true, you could bump up your SIMPLE contribution during open enrollment, then delay some or all of next year's IRA contribution until you are sure you won't need the money (you wouldn't lose any match on the IRA and you have until April of the next year to make your IRA contribution...
by segfault
Tue Mar 07, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's 2017 Economic and Market Outlook
Replies: 12
Views: 2994

Re: Vanguard's 2017 Economic and Market Outlook

I'm in the process of reading it right now (the TSM annual report pointed me to the Economic and Market Outlook). I'm going to post any thoughts that I have in this post, as I have them, and plan to come back and add to it as I continue reading, assuming there isn't a time limit for editing posts. P...
by segfault
Tue Mar 07, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's 2017 Economic and Market Outlook
Replies: 12
Views: 2994

Re: Vanguard 2017 Market Outlook

This appears to be a duplicate of lack_ey's earlier thread:
viewtopic.php?t=204872
by segfault
Mon Mar 06, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: A surprise raise
Replies: 10
Views: 1703

Re: A surprise raise

ofcmetz wrote:...8 of the last ten annual merit steps being canceled.
Thanks for your service. You have a lot of patience. I think I would have jumped ship after not seeing pay increases 8 out of 10 years.
by segfault
Sun Mar 05, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon
Replies: 5
Views: 925

Re: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon

I picked up a very clean used, high-mileage Yukon Denali of that generation--mine was a 2008. I noticed the six-speed automatic transmission began slipping shortly after I bought it. One catalytic converter failed and I was beginning to get an intermittent check engine light for the other catalytic ...
by segfault
Sun Mar 05, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: should i payoff mortgage early?
Replies: 17
Views: 2611

Re: should i payoff mortgage early?

I honestly don't know anyone who has a paid-off mortgage who has expressed regret about it. Maybe the people who regret it are reluctant to admit their mistake? My last house, a family member carried the mortgage. I put every extra dollar towards paying it off ASAP because I wanted my family member...
by segfault
Wed Feb 22, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 9789

Re: Is 60/40 too conservative for 31 year old?

I'm a couple of years older and am using age in bonds until age 40. After age 40, I plan to hold a fixed 40% bond allocation. I'd look at the $500k saved and the $70k per year in savings as a percentage of your goal amount. E.g., if $500k is 50% of the goal amount, you have less need to take risk th...
by segfault
Tue Feb 14, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: BRK Annual Shareholder Meeting- is it worth going?
Replies: 20
Views: 2906

Re: BRK Annual Shareholder Meeting- is it worth going?

I live about a day and a half drive from Omaha and I've been twice. It's really convenient to stay downtown, but the hotels are probably booked up by now (and the hotels grossly inflate their prices the weekend of the meeting). As a result of the price gouging, Buffett threatened to move the meeting...
by segfault
Tue Feb 14, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 22245

Re: Sallie Mae Rewards MC being discontinued

SallieMae discontinued? Good riddance. I had a bad experience with their autopay function and cancelled the card years ago.
by segfault
Mon Feb 13, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2940

Re: Windshield repair gone wrong....

Replace with OE glass. I've had to replace windshields on most of the cars I've had. Not a big deal.
by segfault
Sun Jan 22, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 333
Views: 71558

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Interesting article on Investopedia. I think Zuckerberg owns one or more houses now. On a related note, I was watching Shark Tank the other day, and Mark Cuban shared an anecdote about how, after he sold Broadcast.com, he decided he needed some nice clothes. He went to a tailor and spent close to $1...
by segfault
Tue Jan 10, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 11184

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Were you able to doit online? I had to go into a branch and swelter in a no-privacy cubicle while the banker tried to upsell me a premium account and grilled me on my finances. Same here. The banker was nice but I was uncomfortable being grilled about how many other accounts I have at other institu...
by segfault
Tue Dec 20, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: More maintenance costs for expensive old house
Replies: 13
Views: 1768

Re: More maintenance costs for expensive old house

In many HCOL areas, prices have run up to the point it is more attractive to rent than to buy, or so I've heard.